Fill in the gaps in this text with appropriate words, and write these in the crossword grid on the next page. The first and last letters of each word have been given to you, and these are followed by the location of that word in the crossword grid (for example, 1 ı = 1 across, 13 ij = 13 down, etc). Where two words are needed, there will be no gap between them in the grid. 22 Housingandaccommodation About 66% of the UK population own or are buying their own home. The rest live in accommodation that they r________t (2 ij). Most people buy their property using a m________e (23 ij), a special kind of loan specifically for buying property, available from banks or b_______g ________s (14 ı ). On average, these are paid back over 25 years. It is important that you are able to pay this money regularly, otherwise you risk losing your property to the lender. Most property in the UK is sold through an e________e a________y (15 ij) which can be found on most high streets. If a property is for sale and you are interested in buying it, you will need to make an a________t (16 ı ) to v________w (12 ı ) it. If the price of a property is too high for you, it is considered acceptable to make a lower o________r (3 ij) to the seller. When you indicate that you want to buy a property, it is important that your offer is 'subject to c________t (27 ı )', which means that you can w________w (17 ij) from the sale for any reason before any papers are signed. When buying a property, you should always employ the services of a good s________r (22 ij) to carry out a thorough s________y (1 ı ) (to make sure that the property is in good condition, and that no r________s (8 ı ) need to be made). It is also essential that you employ the services of a good s________r (10 ı ), who will carry out various legal c________s (26 ij) on the property. Accommodation can be rented from a local a________y (18 ij) (such as your local council). You will need to get your name on a w________g (24 ı ) list known as a housing r________r (9 ij). This housing is allocated on a p________y (21 ı ) basis: people with the greatest needs are a________d (25 ij) housing before anyone else (for example, people with young children, women who are expecting a baby, etc). Accommodation can also be rented from housing a________s (13 ij). These are i________t (11 ij) organisations that provide accommodation for people who need it. They do not make a p________t (28 ı ). Many offer shared-o________p (19 ı ) schemes for people who want to own property but who cannot afford it. A lot of property is privately owned and rented out by l________s (32 ı ). They often run their property through a l________g (20 ı ) agency, but many advertise their property themselves in newspapers. If you rent accommodation this way, you will be expected to sign a contract known as a l________e (33 ı ) (also called a t________y (6 ı ) agreement). In most cases, you will be expected to pay a d________t (4 ij) (usually one month's rent, which you should get back when you leave the property, provided the property and everything in it is in good condition). Rent is then normally paid monthly in a________e (7 ı ), which means that you pay for each month you are there at the beginning of that month. Before you agree to move into rented accommodation, you should always check a few important points: whether the accommodation is f________d (29 ij) (are there beds, sofas, etc already in the property?), how long the t________y (6 ı again) lasts (most are for six months, with an option to extend at the end of that period), and whether or not there are any special rules (for example, many landlords specify that you cannot smoke in their property, or that you cannot have pets). If you break these rules, you could be e________d (34 ij) (told to leave the property). Note that the person living in rented accommodation (the t________t (5 ij again)) cannot be forced out of their home without being given sufficient n________e (31 ı ) (a written note that they must leave the property). Also note that landlords cannot d________e (35 ı ) against someone because of their sex, race, religion, etc (in other words, it is illegal to refuse someone accommodation on these grounds). People who are unemployed or on a low income could be entitled to receive housing b________t (30 ij). This is money which is paid by the local authority to cover all or part of the rent. 23 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 How much do you know about law and the police in the UK? Test your knowledge with this quiz. 24 Legal matters 1 1. Who is responsible for setting the general standards and priorities of the police in the United Kingdom? Is it: (a) The Prime Minister (b) The Home Secretary (c) Local judges (d) The Lord Chancellor (e) The monarch 2. Complete this sentence with one word: There are 43 police __________ in England and Wales, eight in Scotland, and one in Northern Ireland. 3. Do police in the United Kingdom carry guns? 4. What telephone number should you call if you witness a crime, or if you are involved in a crime? 5. Can you report a crime using email? 6. Is it an offence for a member of the public to carry (a) a gun, and ((b) a knife in a public place? 7. The police have three main roles. Complete this paragraph with appropriate words. The first and last letter of each word have been given to you: The police must protect l__________e and p__________y (houses, shops, factories, cars, possessions, etc). They are also required to prevent d__________s (such as fighting in the street, hooliganism, people playing very loud music at night, etc). At the same time, they must prevent and detect c__________e. 8. If you suffer or witness police misconduct, can you do anything about it? 9. Can the police stop you in the street or in your vehicle at any time, and search you / your vehicle? 10. If you are stopped by the police, what information should you give them? Choose from the following options. (a) Your name (b) Your age (c) Your job (d) Your nationality (e) Your passport or ID number (f) Your address or place of residence (g) What you are doing (h) Where you are going 11. In return, what information can you ask from them? 12. What would happen to you if you were rude to a police officer? 13. Complete this paragraph with appropriate words. The first and last letter of each word have been given to you: If the police want to enter and search a building, they need a w__________t, which they obtain from a local m__________e. They do not need one of these if they need to get into a building to a__________t someone, to s__________e someone's life, or to prevent d__________e or d__________e. 14. Now do the same with this paragraph: If the police arrest you, they must give you a reason, and then c__________n you (in other words, they officially warn you that anything you say may be used as e__________e against you). If you have problems understanding English, they should provide an i__________r. You have some rights, including the right to see a s__________r (free of charge: each police station should have access to a d__________y s__________r, who advises people who have been arrested), the right to send a m__________e to someone to let them know where you are, and the right to look at the police codes of p__________e (a list of guidelines that the police must follow). 15. If you are a victim of crime, can you get compensation? Exercise 1 : Complete definitions 1 – 30 with words / expressions from the box. Note that several of these are related to English and Welsh law only. Legal matters 2 25 ½ barrister ½ employment tribunal ½ magistrate ½ Citizens' Advice ½ European Court of Human Rights ½ Magistrates' Court ½ coroner's court ½ European Court of Justice ½ No win, no fee ½ coroner ½ High Court ½ rent tribunal ½ County Court ½ House of Lords ½ sentence ½ Court of Appeal ½ judge ½ small claims court ½ Crown Court ½ Jury ½ solicitor ½ CPS ½ jury service ½ suspect ½ defendant ½ lawyer ½ witness ½ dispute ½ legal aid ½ youth court 1. A __________ is a court that deals with arguments over small amounts of money (usually less than £5000). 2. A __________ is a civil or criminal court to which a person may go to ask for an award or sentence to be changed. 3. A __________ is the general name for anyone who is qualified to provide people with legal advice and services. 4. A __________ is someone who sees a crime take place. 5. A __________ is one of the types of court in England and Wales which hears local civil cases. 6. The __________ is a court which considers the rights of citizens of states which are parties to the European Convention for the Protection of Human Rights. 7. An __________ is a body responsible for hearing work-related complaints. 8. A __________ is a court in England and Wales where minor crimes are judged. It can also commit someone for trial or sentencing in a Crown Court. 9. A __________ is a judge in number 8 above, and also in number 25 below. 10. __________ is an organisation that gives people free advice on legal, financial and social problems. 11. A __________ is a court above the level of a Magistrates' court which hears criminal cases. 12. A __________ is a group of people (usually 12 ordinary members of public) who judge a court case in a Crown Court. 13. __________ is the obligation to be part of number 12 above, and can be done by anyone whose name is on the electoral register. 14. A __________ is a court which decides in disputes about money paid or services provided in return for leasing something – usually buildings or land. 15. The __________ is the main civil court in England and Wales. 16. The __________ is the court set up to see that the principles of law as laid out in the Treaty of Rome are observed and applied correctly in the European Union. 17. A __________ is a lawyer who gives legal advice, writes legal contracts, and represents people in the lower courts of law (for example, in a Magistrates' Court or County Court). 18. '__________' refers to cases in which the person in number 17 above only charges his / her client if they win their case. 19. A __________ is a lawyer in England or Wales who is allowed to speak in the higher law courts (for example, in the Crown Court). Exercise 2: Complete these sentences with the most appropriate word or words from exercise 1. 26 20. The __________ is the highest court of appeal in the United Kingdom (although anyone who is unhappy with a decision made here can appeal to the European Court of Justice). 21. A __________ is a court presided over by a public official (usually a doctor or lawyer) who investigates sudden, unexpected and violent deaths. 22. A __________ is someone who hears a case and makes decisions in number 21 above. 23. A __________ is someone who makes decisions in a court of law (for example, in a Crown Court, he / she may send someone to prison). 24. The __________ is the official organisation in England and Wales that decides whether the police have found enough evidence to have a court case against someone. 25. A __________ is a special type of court for people under 18 who have been accused of doing something wrong. 26. A __________ is someone who the police believe may have committed a crime (it can also be a verb: to __________ someone of something). 27. A __________ is a punishment given by a judge, usually involving a period of time that must be spent in prison. (it can also be a verb: to __________ someone to five years in prison). 28. A __________ is someone who has been accused of a crime and is on trial. 29. __________ is a system in which the government pays for people to get advice about the law or be represented in court when they do not have enough money for this. 30. A __________ is a disagreement or arguments between parties. 1. Mr Johnson and Mrs Johnson are getting divorced. Mrs Johnson demands to have the house, the car and 75% of Mr Johnson's life savings. Mr Johnson disagrees. Their case is taken up by their __________, and eventually goes to a __________ for judgement. 2. Five workers have been sacked from the energy company Dilligas. They believe that they have been unfairly dismissed, and so after getting advice from their local __________, they take their case to a / an __________. 3. Mr and Mrs Waugh had a new window installed in their house. The window company now wants the Waughs to pay, but Mr Waugh is refusing because he thinks the quality of workmanship is poor. The company takes them to the __________ to get their money. 4. Jamie Yarnton pays £500 a month to live in a house that belongs to Mrs Cassington. Suddenly, Mrs Cassington asks him for £1000 a month instead. Mr Yarnton thinks this is completely unreasonable. He hopes that a __________ will decide in his favour. 5. A national newspaper accuses the Prime Minister of stealing money from his own party. The PM accuses the newspaper of telling lies. The __________ is taken to the __________, where the newspaper is ordered to pay £85,000 in damages to the PM. The newspaper thinks this is unfair, and goes to a __________ to try to reduce the amount they need to pay. 6. Laurence Bailey robs a bank. The day after he is arrested, he appears in a __________ for an initial hearing. The __________ tells Mr Bailey that he will have to appear for trial in a __________. Although he hires a good __________ to represent him in court, the __________ find him guilty. The __________ decides he must be punished, and __________ him to eight years in prison. Rearrange the letters in bold to make words, and write these in the crossword grid on the next page. Where two words are needed, there will be no gap between these words in the grid. Acr oss (ı) Down (ij) Leisure 27 5. The ilWedomnb tennis championships, which are held in south London, are watched by millions of people all over the world. 6. Employees aged 16 and over are entitled to at least four weeks of paid liyhaod each year. 7. The olaitnNa utrTs is a charitable organisation that owns and looks after historical buildings and areas of countryside for people to visit. 10. If you are interested in joining a local club or society, a good source of information is your local Council or yblirra. 11. Local newspapers advertise details of films, plays, concerts, teibiixnhso and other special events. 15. Satellite, cable and digital television broadcasters usually charge viewers a fee, but there are several wrvieefe channels for which viewers do not need to pay anything. 18. People who treat their pets or other animals badly can be prosecuted by a national charity organisation called the RSPCA (the Royal Society for the rnPioveten of rCltyue to animals). 23. A good way of discovering places of interest in the countryside is to use the large network of public spotofath that cross the country. 24. For people who enjoy watching horse racing, the nrdaG taioNnla is one of the biggest sporting events of the year. 25. Pet owners are responsible for any madgea their animal causes if they know it is likely to cause such damage. 26. In the UK, entrance to many susmemu and eglriesal is free. 1. Football, rugby and icktecr are three sports that have a major following in the UK. 2. Public holidays in the UK are often called aknb holidays. 3. In many towns and cities, the consumption of ollcaho in public places such as the street or park is banned. 4. A television neeiclc is required if you own a television or a computer that can receive television programmes. These last for 12 months. 8. During school holidays, libraries and leisure centres organise special tiacvesiti for children. 9. The best, most detailed maps of the United Kingdom are those produced by dennOrca uvyreS. 12. The pub is an important institution for many people in the UK. The word 'pub' is a short form of 'culipb suhoe'. 13. lAtud deatucnio courses are a good way of improving your employment skills, learning a new hobby or improving your general education. 14. Hotels in the UK can be expensive places to stay. In many cases, a edb and asarebkft (a B and B, also called a guest house) is a cheaper option. These can be found in nearly all villages, towns and cities across the country, as well as in the countryside. 16. Films and DVDs which are graded PG (ratlenpa incdguae) are suitable for general viewing, but some scenes may not be suitable for children unless their parents decide otherwise. 28 17. A lot of cinemas, theatres, etc, offer sinsncecoso to children, students, families and elderly people (in other words, they charge them a reduced price). 19. For football supporters, the FA puC lnaFi is one of the biggest sporting events of the year. 20. If you want to buy a oltyrte ticket or scratch card, you must be at least 16 years old. 21. The BBC is an organisation that broadcasts television and radio programmes. Unlike other broadcasters, its programmes do not have amcmerlosci. 22. You cannot go into a betting shop or aignblgm club if you are under 18. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 Look at the sentences below, and rearrange the letters in bold to make words. The monarchy 29 Before you do this exercise, you might find it helpful to look at the exercises on Politics and government on pages 36 – 42. 1. Britain has a sotntintiolacu noyharcm, which means that the powers and rights of the King or Queen (the monarch) are limited by the basic laws and principles of the country. 2. The name of the current monarch is Queen itaelEhzb II, and she has nidgree the country since 1952. 3. Her official London residence is at miucnBaghk ealPca, but she has other residences around the country that she uses. 4. Her husband is called Prince hilpPli (the kueD of bdhiurEgn) and they have four children. 5. Their eldest child is leCsarh (the iPecnr of lsaWe, and the person who will eventually succeed the Queen: he is the ehri to the nhrote). 6. Her other children are Prince redAwn (the Duke of York), Prince dadwEr (the Earl of Wessex) and Princess neAn (known as the Princess Royal). 7. Collectively, they are known as the oRlya mayiFl, and are sometimes referred to as the soHeu of nWodirs (after their family name, which they changed from Saxe-Coburg during the First World War). 8. The monarch is the Head of State of the United Kingdom, and is also the monarch or head of state of many of the countries in the British womenmCothal (an organisation of countries that used to be under the political control of the UK). She is also the head of the uhCrhc of nlEdgna. 9. The monarch's limited powers and rights (see number 1 above) are known as the royal pogtrevraie. However, her role is one of a egfiredhua (a leader with no real power or influence) and is largely mociaereln. 10. For example, she meets and greets foreign heads of state. Each year she also opens maenrlaPti and gives the sueQn'e hpesce, in which she outlines the ielospic of the government for the coming year. 11. This speech does not express her views: it expresses the views of the meriP stinirMe and the nlguri political party. 12. The monarch must accept any decisions made by the naCiteb and by Parliament. 13. The monarch cannot voice opsrtpu for or popiinosot to the government. However, he or she can savdei, anwr and agecouner the government, usually at a weekly meeting with the Prime Minister. 14. Following advice from the Prime Minister, the monarch can popinat people to high positions in the mogternevn, the uhrChc of nndlEag and the mdrae esrocf. 15. The monarchy is still very popular in Britain, although increasing numbers of people want to remove the current system and replace it with a pulrecbi and an elected deritPnes. Test your knowledge with this quiz. Use your dictionary to check the meanings of the words and expressions in italics, or any other words and expressions that you do not understand. Make a note of these in the box at the end of the exercise on the next page. 30 Money and finance 1. What is the official name of the currency used in the United Kingdom? 2. In which of the following denominations are banknotes printed?: (a) £1 (b) £2 (c) £5 (d) £10 (e) £15 (f) £20 (g) £25 (h) £30 (i) £50 3. Can banknotes that are printed in Scotland and Northern Ireland be used in England and Wales? 4. Is the Euro legal tender in the UK? 5. In what situation would exchange rates and commission charges be relevant? 6. If you want to open a bank account in the UK, what will you need to show the bank? 7. In addition to looking after your money, and lending you money, what other services can banks provide? 8. What is the difference between a loan and a mortgage? 9. What is the difference between a bank and a building society? 10. If you have a regular, full-time job, why is it important for you to have a bank account? 11. Each month, a bank sends its customers a printed record of the money they have withdrawn from, and put into, their bank account. What is this record called? (a) a balance (b) a credit note (c) a money order (d) a statement 12. Banks and building societies often automatically offer their customers an overdraft facility. What is this? 13. What is the difference between a credit card and a debit card? 14. What is the difference between a debit card and a cash card? 15. To use a cash card, debit card or credit card, you will need to know and use your PIN. What do you think these letters stand for? 16. Do you have to pay to use a cash machine? 17. Often, when using a debit card in a large store (especially in a supermarket), you will be asked if you want any cash back. What does this mean? 18. A major shopping chain offers you a store card. What is this? 19. Credit card companies in the UK are often criticised in financial reports written for consumers. Why do you think this is? 20. Before you borrow money, you should always check the APR. What is this? 21. If you have a savings account, you pay tax on the interest you receive. However, there is one special type of savings account in which you do not pay tax on interest. What is the name of this kind of account? (a) an ISA (b) an ISBN (c) an IRS (d) an ISO 22. Many people pay for household bills, and make other regular payments, using direct debit. What do you think this is? 23. What is the difference between a direct debit and a standing order? 24. You apply for a loan, but you are refused credit. Can you find out why? 25. Which of the following are not banks in the UK? (a) Waitrose (b) NatWest (c) Lloyds TSB (d) John Lewis (e) RBS (f) Barclays (g) Debenhams (h) HSBC (i) BHS (j) Asda 26. Your bank account is in the red. What does this mean? 27. Where would you go to open a National Savings Account? 28. If you shop or bank online, why is it important that you see a padlock symbol (similar to this: ± ) at the bottom of your computer screen: ? 29. What do we call organisations that sell insurance on behalf of different insurance companies? Choose from the following: (a) breakers (b) brokers (c) braziers (d) breadwinners (e) broadcasters 30. What is social security? 31 Use this space to make a note of key words and expressions . in Scotland and Northern Ireland be used in England and Wales? 4. Is the Euro legal tender in the UK? 5. In what situation would exchange rates and commission. one word: There are 43 police __________ in England and Wales, eight in Scotland, and one in Northern Ireland. 3. Do police in the United Kingdom carry guns?